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Hurricane Dorian

After the Storm Passes

  • Protect your family and yourself.
  • Listen to local officials for updates and instructions.
  • Check-in with family and friends by texting or using social media.
  • If evacuated—Return to your home only when authorities indicate it is safe.
  • Watch out for debris and downed power lines.
  • Avoid walking or driving through flood waters. Just 6 inches of moving water can knock you down, and fast moving water can sweep your vehicle away.
  • Avoid flood water as it may be electrically charged from underground or downed power lines and may hide dangerous debris or places where the ground is washed away.

BEWARE of Price Gouging. LEARN MORE

Report suspected price gouging to the Price Gouging Hotline: 1-866-966-7226

If Your Property Sustained Damage Due to the Storm

  • Notify your insurance carrier as soon as it is safe to do so.
  • If safe, take pictures of all damages as soon as possible.
  • Make temporary repairs and save receipts for any materials that you purchase. Do not make extensive repairs until our adjuster has been out to inspect your property.
  • Begin making a list of personal property that has been damaged.
  • If your residence is not fit to live in, save all receipts associated with the additional living expenses incurred.
  • If you experience additional damage, report it to your claims adjuster immediately.

BEWARE of third parties soliciting to file claims on your behalf. DO NOT sign any contracts that you have not fully read and understand. You may unknowingly sign away your recovery rights. LEARN MORE

Once you are ready to begin the repair process, please follow these TIPS to help prevent becoming the victim of unscrupulous contractors looking to take advantage of the situation.

Beware of Assignment of Benefits on Your Home Insurance Claim

Maintain control of your home insurance claim - assigning benefits to a home repair vendor could be costly and here's why.... An AOB is a clause that, once signed, transfers control of the claim from the customer to the contractor - allowing the contractor to collect any payments directly from the customer's insurance company. This gives the contractor the latitude to perform work before the insurance company has an opportunity to appraise the damage or to exaggerate the extent of the damage – and either situation could lead to disagreements about the settlement amount. If the insurance company determines that the claim settlement amount is less than the amount of the contractor’s bill, the customer could be on the hook to pay the difference or face the possibility of foreclosing on their home due to a contractor lien. In some instances, the contractor bills the insurance company for repairs they never made, or takes money from the customer and then takes off. Sadly, those are some of the more fortunate AOB scam victims. In the worst-case scenario, if you’ve signed the rights to your entire claim to the water extraction contractor and their bill isn’t paid, the contractor can place a lien on your home for unpaid repair bills – in Florida, those liens are enforceable by foreclosure. Now, here is what you should do... First things first: contact your insurance company FIRST in the event of a loss. Not only will this help you avoid dealing with an AOB issue, but thanks to partnerships most insurance companies have in place with reputable water restoration companies, your insurer can probably get a technician to show up at your home quicker than you can if you make the call! Consider the following suggestions to help you avoid AOB scams: •Use your insurance company’s recommended vendor. •Do not hire a contractor that requires you to sign an assignment of benefits. The contractor should only require you to sign a work authorization form. •Do not sign contracts or forms that you do not fully understand. When in doubt, call your insurance company or agent for an explanation and advice. Once your home is dry and you're ready to make repairs, what should you do? •Continue to be on the lookout for AOB scams - consider the suggestions listed above. •Always get written estimates for repair jobs. •Research the background of any contractor you're thinking of hiring. Call your local Better Business Bureau to see whether any complaints have been filed against the contractor. •Ask your contractor for local references and testimonials, as well as proof of general liability insurance and workers' compensation insurance.

Click here if you would like us to contact you for a quote.  Please provide your name and preferred method of contact.  We will contact you within 24 hours.

Hurricane Season begins June 1.  There is a 30 day waiting period on Flood Insurance. 
Buy it today!! 

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